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Fees & Charges

Download Printable Fee Schedule

ATM Fees Fee
ATM Deposits & Inquiries No fee
ATM Withdrawals…
  Network ATMs*
    —— First 10 withdrawals per month No fee
    —— 11 & higher withdrawals, each $1.50
* Network ATMs include Northern Hills Federal ATMs, Wells Fargo on Premise ATMs and CO-OP Network ATMs
  Out of Network ATM Withdrawals
    —— Per withdrawal $1.50
International Transaction, per transaction
ATM/Debit/Checks Charged by clearing networks for currency exchange		 1%
Checking Account Fees
**Automatic Transfer/Withdrawal Limit, from savings No fee
Counter Checks, per 12 No fee
Custom Checks, per style Varies
Inactive Checking Account, per month
  Over age 18, no activity 90 days

$5.00
Notice of Transfer, per transfer
  From loan to cover overdraft

$2.00
Overdraft Returned, per item
  (Check or ACH Debit)

$33.00
Overdraft Paid, per item
  (Check, POS or ACH Debit)

$33.00
** Federal Regulation D Requirements: For all savings, Club, and Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.
Savings Account Fees
Early Closing, under 90 days
  ——Age 18 or over $20.00
  ——Under age 18 $3.00
Excessive Withdrawal, each over 8 $2.00
Inactive 180+ Days,, limited services $3.00
IRA Unqualified Withdrawal, per withdrawal
  (Check, POS or ACH Debit)		 $25.00
Safe Deposit Box Fees (Main Branch)
3 x 5 Box $15.00
3 x 10 Box $25.00
5 x 10 Box $35.00
Key Deposit, 2 keys, refundable $25.00
Key Replacement, per key $10.00
Late Payment of Annual Rental $5.00
Replacement Lock, one lost key $45.00
Unclaimed Property $75.00
Drill Safe Deposit Box, two lost keys $250.00
Other Fees
Account Research/Reconciliation, per hour
  (1 hour minimum - plus costs)		 $18.00
Cashiers Check, per check $5.00
Check Cashing, per check
(When age 18 or over AND checks total $50 or more, unless $200 in savings or with current loan)		 $5.00
Check Lookup/Copy, per item $7.00
Coin Counting, 2% total, minimum $2.00
Collection Item, in/out plus costs $10.00
CU*Easy Pay - Bill Payment & Presentment†
  ——Per Month $4.95
  ——Transactions over 15, each $0.40
† Refer to agreement - special charges may apply for stop payments, etc
Duplicate Deposit Books $8.50
Escheat Fee $25.00
Fax International - Sending
  ——First Page $10.00
  ——Each additional page $5.00
Fax Receiving, per page $1.00
Fax - Sending, per page Local or 800
  ——Domestic First Page $3.00
  ——Domestic Each Additional Page $1.00
Foreign item exchange check US funds
...see collection item
HSA Annual Fee
(Waived for account balance greater than $2500 or continuous ACH deposits to acct)		 $10.00
HSA Set-up $10.00
HSA Account Closure $25.00
Incorrect Address,/Returned Mail, per piece $3.00
Legal Processing, costs plus minimum of
(Levies, garnishments, executions, etc)		 $3.00
Live Phone Inquiries/Transactions, per call
(Requesting information such as balances, deposits, withdrawals, checks cleared or transactions that are obtainable through It's Me 247 or CU*TALK)		 $2.00
Loan Amortization Schedule $5.00
Loan Extension $35.00
Loan Subsequent Action
(Change collateral, comaker, etc)		 $35.00
Loan Title Handling, per item
  ——South Dakota $10.00
  ——Out of State $35.00
Long Distance Call, per call to verify funds $3.00
Mail Receipt $2.00
Money orders, $1,000 maximum $1.25
Money Zipper Bags, large $5.00
Money Zipper Bags, small $2.00
NHFCU Check
  ——Issued to member No Fee
  ——Issued to third party $3.00
Notary service No Fee
Photocopy, per page $.25
Returned item, per time returned
  Check written by Member $40.00
  Check written by Non-member
(Dishonored Check)		 $10.00
  ACH Origination Item
(Loan or Deposit)		 $40.00
Statement History Printout $5.00
Stop Payment, per item
(Electronic or paper - to place or remove)		 $20.00
Verification of Deposit $10.00
VISA Fees & Charges
...refer to VISA disclosure
VISA Gift/Prepaid Debit Cards, per card
  Personalized card, per card $10.00
  Card reload, per time $2.00
Western Union
...Established by Western Union
Wire Transfer - Domestic
  Incoming, per wire $5.00
  Outgoing, per wire $15.00
Wire Transfer - International
  Outgoing, per wire $50.00

Fees current as of 8/01/09 and subject to change without notice. Statement insert 6/30/09.

Fees will be assessed to any share or checking account, which may result in a negative balance.

** Federal Regulation D requires that we limit the total of preauthorized, telephone (including CU*Talk), It's Me 247, and automatic transfers to a total of no more than six (6) per month. Unlimited transfers are permitted when in person, by mail, by messenger or an ATM. Fees current as of 11/01/07 and subject to change without notice.

FACT Act - We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.